Farming Without the Bank Podcast

Stop Wanting Land If You Won't Take the Risk to Buy It (Ep. 380)

In this episode, Mary Jo talks risk tolerance for farmers who want to buy land but are scared to act. She breaks down the viral auction story — a woman who inherited 3 pa

Farmers Aren't Getting The Farm Bill Money You Think They Are (Ep. 379)

Farmers are NOT getting $129 billion. In Ep 379 of Farming Without the Bank, Mary Jo Irmen breaks down the real farm subsidy numbers. Out of the $129.6 billion Farm Bil

What If the Cattle Market Collapses? Why Debt-Free Isn't Enough (Ep. 378)

Your CPA isn't being difficult — they've just never been taught how this works. In Ep. 378, Mary Jo Irmen answers the question she gets more than any other: how does mone

5 Things Successful Farmers Do Differently (And 1 Bonus) (Ep. 377)

They weren't given the farm. They just think differently. In Episode 377 of the Farming Without the Bank podcast, Mary Jo Irmen breaks down the 5 things she sees over a

Farmers Are Going Broke Trying to Avoid Taxes (Ep. 376)

It's that time of year — everything's on sale for tax purposes. But is buying that $300,000 piece of equipment to save $36,000 actually keeping you broke?  Mary Jo brea

Local Agent vs Expert: Why Face-to-Face is Costing Farmers Money (Ep. 375)

Is it really THAT easy to borrow against life insurance? Yes — and Mary Jo Irmen proves it in this Farming Without the Bank Q&A. Mary Jo answers the comments from her F

What Real Client Meetings Can Teach Us About Farm Estate Planning (Ep. 374)

Real meetings, real numbers, real lessons. Mary Jo recaps recent client meetings — from a 64 and 65-year-old couple buying land for their boys, to a 22-year-old starting

When It Actually Makes Sense to MEC Your Life Insurance (Ep. 373)

Is a MEC really as bad as everyone in infinite banking says? In Farming Without the Bank Episode 373, Mary Jo Irmen and John Hasche break down when a Modified Endowment

Why the Generational Bickering in Farming Has to Stop (Ep. 372)

Are boomer farmers actually greedy? Or are younger farmers stuck in victim mentality? In Episode 372 of Farming Without the Bank, Mary Jo Irmen tackles the generational

Trolls vs. Productive People: Who Wins? (Ep. 371)

It's TROLL DAY on Farming Without the Bank Ep 371 with Mary Jo Irmen — and the trolls brought their best hate comments. Mary Jo reads them all and answers back: chargin

Stop Lending to Your Kids From ONE Policy (Do This Instead) (Ep. 370)

Lending money to your kids from ONE policy is a recipe for a family fight. In this episode, Mary Jo Irmen shares 2 creative strategies she used this week to solve real cl

Why Farmers Stay Broke & How to Actually Keep More of Your Money (Ep. 369)

Mary Jo's back with three money topics every farmer and rancher needs to hear. The thread running through all of them: it's not how much money you make — it's how you USE

Why You Need to Plan for Long-Term Care Before the Crisis Hits (Ep. 368)

The biggest threat to your farm's legacy isn't the bank — it's an unplanned long-term care event. In this episode, Mary Jo Irmen sits down with long-term care expert Mich

5 Things to Watch for When Buying a Policy (Ep. 367)

Buying a whole life insurance policy for infinite banking? Many agents have no idea what they're actually selling you — and it could cost you decades of compound growth.

Your $6,000 Annual Premium Grows to $843,000? Here's How (Ep. 366)

Mary Jo Irmen walks through a real whole life insurance policy illustration for a 27-year-old client paying just $6,000 a year — and the numbers might surprise you. In

You Don't Need $100,000 to Start Infinite Banking - Here's Why (Ep. 365)

Are you waiting until you have more money before starting infinite banking? Mary Jo Irmen explains why you may not need $100,000—or even a large amount of money—to begin.

Who's Really Calling About Infinite Banking? Real Meetings, Real People (Ep. 364)

What does infinite banking look like in the real world? From bankers and veterans to city kids buying their first ranch — here's a glimpse into the conversations happenin

Farmland Was Paid Off Until This 'Strategy' Created $38 Million in Debt (Ep. 363)

An Iowa widow is suing her financial advisor and two life insurance companies after a premium-financed IUL strategy left her family farm buried in $38 million of debt. Ma

Fake Bids, Hidden Fees & Shady Auctioneers: Land Auctions Exposed (Ep. 362)

One wrong auction company can cost you the true value of your land — and you'd never know it. 👉 Find more Farming Without the Bank here: https://www.youtube.com/channel

We Paid Into This Policy for Decades and Got Nothing | Real Numbers Every Farmer Needs to See (Ep. 361)

Are you wondering if your life insurance policy will actually be there when your family needs it? Mary Jo Irmen walks through multiple real-life life insurance policy rev